Investor Presentaiton

Turkish Banking Sector - Private Banks TL Performing Loans¹ (TL bn) 2,428 1,383 1,088 777 760 820 2023 Growth 3,698 52% 2017 2018 2019 2020 2021 2022 2023 L/D Ratios² NPL Ratio² 2.1% FC Performing Loans¹ (USD bn) 2023 Growth 114.4 98.9 88.0 84.2 76.0 64.6 60.4 2017 2018 2019 2020 2021 2022 2023 Capital Ratios² incl. forbearances 20.3% 16.5% ROAE² -6% 39.1% 86% 75% 2020 2021 2022 1Q23 2Q23 3Q23 4Q23 2020 2021 2022 1Q23 2Q23 3Q23 4Q23 CET1 CAR 2020 2021 2022 1Q23 2Q23 3Q23 4Q23 2020 2021 2022 1Q23 2Q23 3Q23 4Q23 -L/D - -TL L/D Notes: Private banks' figures 1. Based on BRSA weekly data, as of December 1, 2023 2. Based on BRSA monthly data, as of December 2023 -8- YapıKredi

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